ISA Tax Saving Calculator

Estimate tax-advantaged account growth and tax saving from contributions, return, fees, and holding period.

ISA tax saving

Estimate Korean ISA tax savings against a regular taxable account using the Korean ISA tax engine.

Tax saving

₩610,077

절세 효과 우수

Regular account tax

₩1,153,817

ISA account tax

₩543,740

ISA net amount

₩66,948,580

Tax-free profit ₩2,000,000

Breakeven return

0.6%

예상 수익(7,492,320원)이 최소 권장 수익(1,000,000원)을 초과합니다. ISA 가입이 유리합니다.

Eligibility

Eligible scenario

일반형 ISA 가입이 가능합니다. 비과세 한도: 2,000,000원

Uses Korean ISA rules: KRW 2 million general tax-free limit, KRW 4 million low-income/farmer limit, 9.9% separate tax above the limit, KRW 40 million annual contribution cap, and 3-year mandatory holding period. This English finance calculator calls the Korean feature lib for its numeric result. KRW inputs and outputs replace the old generic USD projection stub for this batch.

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ISA tax-saving calculator

This English guide translates the Korean ISA tax-benefit page. The calculator calls calculateIsaTaxSaving and compares ordinary taxation with ISA tax-free and separate-tax treatment.

ISA benefit structure

Ordinary interest and dividend income commonly faces 15.4% tax in Korea. ISA keeps gains tax-free up to the allowance and applies 9.9% separate taxation to the excess, so the result can be very different from a normal brokerage account.

The Korean page preserves KRW 2 million tax-free allowance for the general ISA type and KRW 4 million for low-income or farmer/fisher ISA types. ISA income is also excluded from comprehensive financial-income aggregation.

Eligibility and limits

The Korean content describes annual contribution limit expansion to KRW 40 million and total contribution limit of KRW 100 million. It also keeps the 3-year mandatory holding period; early termination can remove the tax benefit and tax income like ordinary financial products.

The low-income ISA condition is explained as annual salary up to KRW 50 million or comprehensive income up to KRW 38 million. Brokerage ISA can hold domestic listed stocks, ETFs, ETNs, funds, deposits, and RP, but direct overseas stocks and overseas ETFs are not allowed.

Calculation formula

The ordinary-account tax formula is investment gain times 15.4%. The ISA formula is max(0, investment gain minus tax-free allowance) times 9.9%. Tax saving is ordinary tax minus ISA tax.

For example, KRW 5 million profit in a general ISA taxes only KRW 3 million at 9.9%, while the same gain in an ordinary account is taxed at 15.4%. A low-income ISA with KRW 4 million allowance taxes only KRW 1 million in that example.